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About the company
Aavas Financiers Limited is an India-based retail, affordable housing finance company, primarily serving low- and middle-income self-employed customers in semi-urban and rural areas. The Company's product offering consists of home loans for the purchase or construction of residential properties, and for the extension and repair of existing housing units, loan against property and micro, small and medium enterprises loan (MSME) loans. Its Website has a portal for online application of loans which offers services like branch locator, home loan equated monthly instalment calculator, details on specific products like construction loans, MSME loans and others. Customers also have the option to apply for loans through Aavas Loan Mobile App. It operates in over 13 states with a total of 371 branches. It operates in various states including Rajasthan, Maharashtra, Gujarat, Madhya Pradesh, Haryana, Uttar Pradesh, Chhattisgarh, Uttarakhand, Punjab, Himachal Pradesh, Delhi, Odisha and Karnataka.
- Revenue in INR (TTM)20.01bn
- Net income in INR4.91bn
- Incorporated2011
- Employees6.03k
- LocationAavas Financiers Limited201-202 Southend SquareMansarover Industrial AreaJAIPUR 302020IndiaIND
- Phone+91 1 416618888
- Fax+91 1 416618861
- Websitehttps://www.aavas.in/
Peer analysis
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tamilnad Mercantile Bank Ltd | 48.48bn | 10.72bn | 76.20bn | 4.51k | 7.11 | 0.962 | -- | 2.73 | 67.70 | 67.70 | 176.56 | 500.23 | -- | -- | -- | -- | 1.79 | 1.56 | -- | -- | -- | -- | 38.34 | 32.29 | -- | -- | -- | 8.05 | 18.79 | 8.50 | 4.16 | 32.90 | 24.20 | -- |
| Karnataka Bank Limited | 82.99bn | 13.07bn | 77.83bn | 8.65k | 5.56 | 0.7713 | -- | 1.69 | 39.89 | 39.89 | 140.10 | 287.54 | -- | -- | -- | -- | 1.21 | 0.855 | -- | -- | -- | -- | 28.30 | 20.44 | -- | -- | -- | 13.92 | 14.93 | 7.04 | 10.76 | 22.32 | 10.08 | 11.57 |
| Ujjivan Small Finance Bank Ltd | 56.77bn | 12.82bn | 85.13bn | 21.80k | 6.81 | 1.54 | -- | 2.03 | 6.47 | 6.47 | 21.18 | 28.66 | -- | -- | -- | -- | 3.48 | 1.89 | -- | -- | -- | -- | 30.54 | 17.15 | -- | -- | -- | -- | 36.31 | 25.39 | 16.51 | 49.31 | 10.52 | -- |
| City Union Bank Ltd | 52.71bn | 10.16bn | 123.48bn | 6.02k | 12.25 | 1.47 | -- | 4.31 | 13.61 | 13.61 | 38.39 | 113.43 | -- | -- | -- | -- | 1.48 | 1.31 | -- | -- | -- | -- | 35.45 | 28.22 | -- | -- | -- | 8.80 | 11.80 | 6.95 | 8.35 | 8.27 | 13.47 | 24.57 |
| Aavas Financiers Ltd | 20.01bn | 4.91bn | 147.16bn | 6.03k | 30.02 | 3.90 | 28.12 | 7.35 | 61.95 | 61.95 | 252.67 | 476.79 | 0.1337 | -- | -- | -- | 3.28 | 3.48 | 3.28 | 3.81 | 99.57 | 99.53 | 24.52 | 26.30 | -- | 1.80 | 0.7667 | -- | 25.15 | 23.45 | 14.21 | 22.76 | 18.06 | -- |
| RBL Bank Ltd | 123.94bn | 12.60bn | 156.57bn | 10.76k | 12.51 | 1.05 | -- | 1.72 | 20.64 | 20.64 | 149.13 | 245.21 | -- | -- | -- | -- | 0.991 | 0.5841 | -- | -- | -- | -- | 13.84 | 8.67 | -- | -- | -- | 8.45 | 28.08 | 14.48 | 37.01 | 7.99 | -0.0196 | -11.09 |
| IFCI Ltd | 17.74bn | 1.02bn | 156.68bn | 149.00 | 141.63 | 3.29 | 48.82 | 8.83 | 0.4233 | 0.4233 | 7.14 | 18.21 | 0.099 | -- | 6.51 | -- | 1.34 | -3.86 | 1.65 | -4.78 | 62.07 | 45.64 | 13.53 | -38.71 | -- | -- | 0.4114 | -- | 19.48 | -8.86 | 149.88 | -- | 0.041 | -- |
| Indian Energy Exchange Ltd | 4.49bn | 3.51bn | 164.55bn | 171.00 | 46.97 | 16.96 | 44.32 | 36.64 | 3.94 | 3.94 | 5.04 | 10.91 | 0.2784 | -- | 9.63 | -- | 21.74 | 22.29 | 37.61 | 40.78 | -- | -- | 78.10 | 72.55 | -- | -- | 0.0106 | 50.81 | 12.05 | 12.07 | 14.68 | 16.28 | 33.58 | -- |
| Karur Vysya Bank Ltd | 82.04bn | 16.05bn | 164.79bn | 7.40k | 10.27 | 1.64 | -- | 3.01 | 19.95 | 19.95 | 67.97 | 124.82 | -- | -- | -- | -- | 1.64 | 0.9932 | -- | -- | -- | -- | 29.35 | 19.66 | -- | -- | -- | 13.09 | 25.89 | 7.12 | 45.09 | 50.07 | -8.86 | 31.95 |
| Aptus Value Housing Finance India Ltd | 13.65bn | 6.12bn | 167.53bn | 2.41k | 27.45 | 4.45 | 26.97 | 12.27 | 12.23 | 12.23 | 27.29 | 75.52 | 0.1687 | -- | -- | -- | 7.56 | 7.33 | 7.57 | 9.94 | -- | -- | 44.82 | 44.48 | -- | 2.99 | 0.5798 | -- | 24.86 | 33.34 | 21.65 | 40.57 | 12.39 | -- |
| Multi Commodity Exchange Of India Ltd | 6.84bn | 831.10m | 197.24bn | 373.00 | 234.79 | 9.15 | 165.69 | 28.86 | 16.50 | 16.50 | 134.51 | 423.35 | 0.2126 | -- | 16.56 | -- | 2.58 | 6.07 | 3.82 | 8.52 | 42.52 | 65.55 | 12.16 | 35.96 | -- | 15.85 | 0.0008 | 61.97 | 33.11 | 17.90 | -44.21 | -10.69 | 39.46 | -17.51 |
| PNB Housing Finance Ltd. | 70.57bn | 15.08bn | 206.85bn | 1.69k | 16.52 | 1.67 | 13.27 | 2.93 | 48.20 | 48.20 | 259.57 | 477.52 | 0.1013 | -- | 219.47 | -- | 2.17 | 1.38 | 2.89 | 2.57 | 99.83 | 99.85 | 21.37 | 13.83 | -- | 1.50 | 0.786 | -- | 8.08 | -1.69 | 44.17 | 4.82 | -7.71 | -- |
| Holder | Shares | % Held |
|---|---|---|
| SBI Funds Management Ltd.as of 05 Mar 2024 | 7.01m | 8.86% |
| First Sentier Investors (Australia) IM Ltd.as of 29 Feb 2024 | 3.35m | 4.24% |
| UTI Asset Management Co. Ltd. (Investment Management)as of 31 May 2024 | 2.60m | 3.28% |
| The Vanguard Group, Inc.as of 06 Jun 2024 | 1.81m | 2.29% |
| First Sentier Investors (Singapore)as of 29 Feb 2024 | 1.70m | 2.15% |
| Norges Bank Investment Managementas of 31 Dec 2023 | 1.55m | 1.95% |
| Capital Research & Management Co. (World Investors)as of 31 Mar 2024 | 1.45m | 1.83% |
| Nomura Asset Management Singapore Ltd.as of 31 Mar 2023 | 1.33m | 1.68% |
| HDFC Asset Management Co. Ltd. (Invt Mgmt)as of 31 May 2024 | 1.30m | 1.65% |
| BlackRock Asset Management North Asia Ltd.as of 27 Jun 2024 | 1.29m | 1.64% |
